CN114037513A - Loan transaction method and device - Google Patents
Loan transaction method and device Download PDFInfo
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- CN114037513A CN114037513A CN202111315929.XA CN202111315929A CN114037513A CN 114037513 A CN114037513 A CN 114037513A CN 202111315929 A CN202111315929 A CN 202111315929A CN 114037513 A CN114037513 A CN 114037513A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The embodiment of the application discloses a loan transaction method and a device, which can be applied to the financial field or other fields, receive a plurality of target element item information filled by a borrower, wherein the number of the target element item information is less than that of all the element item information, thus the number of the information filled by the borrower can be simplified, the transaction process is saved, then a predetermined amount of loan is sent to the borrower, the borrowed transaction information is recorded, the transaction information is input into a risk prediction model to obtain a risk prediction value of the loan transaction, when the risk prediction value is greater than a threshold value, the loan transaction is stopped, namely, the risk prediction model can be utilized to carry out risk prediction on the loan transaction after the transaction process is simplified, the transaction risk possibly existing after the transaction process is simplified is reduced, the transaction process can be simplified, the transaction period is shortened, and the requirement of rapid transaction is met, but also to control the risk of the loan transaction.
Description
Technical Field
The present application relates to the field of finance, and in particular, to a loan transaction method and apparatus.
Background
With the rapid development of financial technology, loan transactions between banks are common, and are an important part of public business of banks. However, the loan transaction between the banks at present has the defect of complicated transaction flow, so that the loan transaction period is long, and the demand of rapid transaction cannot be met.
Disclosure of Invention
In order to solve the problem that a transaction flow is complicated in the prior art, the embodiment of the application provides a loan transaction method and device.
The embodiment of the application provides a loan transaction method, which comprises the following steps:
receiving a plurality of target element item information filled by a borrower, wherein the number of the target element item information is less than that of all the element item information;
sending a predetermined amount of borrowed money to the borrower, and recording transaction information of the borrowed money, wherein the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information;
inputting the transaction information into a risk prediction model to obtain a risk prediction value, wherein the risk prediction model is obtained by training according to training transaction information;
and stopping the loan transaction when the risk prediction value is larger than a threshold value.
Optionally, the target element item information reflects a greater degree of risk influence of the borrower than other element item information except the target element item information reflects a greater degree of risk influence of the borrower.
Optionally, the issuing a predetermined amount of the loan to the borrower, and the recording the transaction information of the loan includes:
sending a predetermined amount of borrowing to the borrower by using a shared account, wherein the borrowing comprises a predetermined proportion of deposit;
and recording transaction information except the deposit in the borrowing.
Optionally, the predetermined proportion is inversely related to the borrower initial credit rating.
Optionally, the risk prediction model is a gradient lifting tree model.
Optionally, the stopping the loan transaction when the risk prediction value is greater than a threshold value comprises:
and when the risk predicted value is larger than the threshold value, at least freezing the residual borrowing, and sending the transaction information to a risk transaction technician for rechecking.
An embodiment of the present application provides a loan transaction apparatus, the apparatus includes:
the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a plurality of target element item information filled by a borrower, and the number of the target element item information is less than that of all the element item information;
the system comprises a dispensing unit, a payment unit and a payment unit, wherein the dispensing unit is used for dispensing a predetermined amount of borrowed money to the borrower and recording transaction information of the borrowed money, and the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and target element item information;
the input unit is used for inputting the transaction information into a risk prediction model to obtain a risk prediction value, and the risk prediction model is obtained by training according to training transaction information;
and the stopping unit is used for stopping the loan transaction when the risk prediction value is greater than a threshold value.
Optionally, the target element item information reflects a greater degree of risk influence of the borrower than other element item information except the target element item information reflects a greater degree of risk influence of the borrower.
Optionally, the issuing unit is specifically configured to issue a loan with a predetermined amount to the borrower by using a shared account, where the loan includes a deposit with a predetermined proportion, and record transaction information in the loan except for the deposit.
Optionally, the predetermined proportion is inversely related to the borrower initial credit rating.
The embodiment of the application provides a loan transaction method, which receives a plurality of target element item information filled by a borrower, wherein the number of the target element item information is less than that of all the element item information, so that the information quantity filled by the borrower can be simplified, the transaction process is saved, a predetermined amount of loan is sent to the borrower, the transaction information of the loan is recorded, the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information, the transaction information is input into a risk prediction model to obtain a risk prediction value of the loan transaction, and when the risk prediction value is greater than a threshold value, the loan transaction is stopped, namely, the risk prediction model can be used for carrying out risk prediction on the loan transaction after the transaction process is simplified, and the transaction risk which possibly exists after the transaction process is simplified is reduced, the simplified transaction process and the loan transaction risk are balanced, the transaction process can be simplified, the transaction period is shortened, the requirement of rapid transaction is met, and the loan transaction risk can be controlled.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a loan transaction method according to an embodiment of the present application;
fig. 2 is a block diagram illustrating a structure of a loan transaction apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The invention name provided by the invention can be used in the financial field or other fields, for example, the invention name can be used in application scenes such as peer-to-peer loan transactions in the financial field. The other fields are arbitrary fields other than the financial field. The above description is merely exemplary in nature and is in no way intended to limit the scope of the invention.
The debit and credit transaction between the banks at present has the defect of complicated transaction flow, so that the debit and credit transaction period is long, the transaction auditing period is long, and the requirement of quick transaction cannot be met. But the transaction flow and the auditing are both used for reducing the risk of debit and credit transactions and avoiding the fund loss of a lender. Therefore, although the purposes of simplifying the loan transaction process and shortening the transaction period can be achieved by deleting some transaction processes, the loan transaction risk may be increased and the loan fund loss risk may be increased.
Based on this, the embodiment of the present application provides a loan transaction method, which receives a plurality of target element item information filled by a borrower, where the number of the target element item information is less than the number of all the element item information, so as to simplify the information amount filled by the borrower, save the transaction process, then send a predetermined amount of loan to the borrower, and record the transaction information of the loan, where the transaction information at least includes transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information, input the transaction information into a risk prediction model, obtain a risk prediction value of the loan transaction, and stop the loan transaction when the risk prediction value is greater than a threshold value, that is, use the risk prediction model to perform risk prediction on the loan transaction after the transaction process is simplified, thereby reducing the transaction risk that may exist after the transaction process is simplified, the simplified transaction process and the loan transaction risk are balanced, the transaction process can be simplified, the transaction period is shortened, the requirement of rapid transaction is met, and the loan transaction risk can be controlled.
For better understanding of the technical solutions and effects of the present application, the following detailed description will be made of specific embodiments with reference to the accompanying drawings.
Referring to fig. 1, a flow chart of a loan transaction method according to an embodiment of the present application is shown.
The loan transaction method provided by the embodiment comprises the following steps:
s101, receiving information of a plurality of target element items filled by a borrower.
In an embodiment of the present application, a lender receives a plurality of target element item information filled by a borrower. The element item information is the borrower basic information which is filled by the borrower and provided for the lender. The target element item information is information which needs to be filled by a borrower after the transaction flow is simplified. The number of the target element item information is less than that of all the element item information, so that the transaction process can be simplified, and the auditing period of the depositor can be shortened.
In addition to reducing the number of the element item information, a plurality of information needing to be filled in the transaction flow can be integrated, for example, merged or deleted, for example, after the user name and the identification number are filled in, other identity information does not need to be filled in, and for example, the address information can be merged into the same column. And the information of the element items which have little or no influence on the risk of the debit party can be deleted, so that the transaction flow is further shortened.
In the embodiment of the application, the element item information can reflect the risk influence degree of the borrower, the target element item information reflects that the risk influence degree of the borrower is greater than the risk influence degrees of the borrower reflected by other element item information except the target element item information, namely, the target element item information reflects that the risk influence degree of the borrower is greater, so that the element item information can be used for classifying a plurality of element item information by reflecting the risk influence degree of the borrower, and the element item information reflecting the lower risk influence degree of the borrower can be filled without filling, and the transaction flow is shortened.
In the embodiment of the application, after the element item information is classified, a borrowing time threshold value can be set for the borrower, after the borrowing time of the borrower exceeds the borrowing time threshold value, different classes of element item information can be selected, and the unselected element item information does not need to be filled. For example, the information of the element item reflecting the lower risk influence degree of the borrower is not filled.
In the embodiment of the application, when the borrower performs the loan transaction with the lender for the first time, all the element item information needs to be filled so that the lender can know the more comprehensive information of the borrower and perform record storage, and when the borrower subsequently continues to perform the loan transaction with the lender, only the target element item information can be filled.
S102, sending a predetermined amount of borrowing to the borrower, and recording transaction information of the borrowing.
In the embodiment of the application, after the borrower completes the filling of the target element item information, and after the lender completes the verification, the borrower sends a predetermined amount of borrowed money to the borrower, and records the transaction information of the borrowed money, wherein the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and target element item information.
In practical application, the shared account can be opened in a bank to which the lender belongs, the lender uses the shared account to send a loan with a predetermined amount to the borrower, the loan contains a guarantee fund with a predetermined proportion, and the guarantee fund borrower cannot use the guarantee fund as a guarantee of the loan transaction, so that when the transaction information is recorded, only the transaction information except the guarantee fund in the loan needs to be recorded. The predetermined proportion of the deposit is related to the initial credit rating of the borrower, and in particular, the predetermined proportion is inversely related to the initial credit rating of the borrower, i.e., the higher the initial credit rating of the borrower, the lower the predetermined proportion, the more amount of money the borrower is able to use, and conversely, the lower the initial credit rating of the borrower, the higher the predetermined proportion, the less amount of money the borrower is able to use.
And S103, inputting the transaction information into a risk prediction model to obtain a risk prediction value.
In embodiments of the present application, the risk prediction value for the loan transaction can be obtained by inputting the recorded transaction information into a risk prediction model. The risk prediction model is obtained by training according to the training transaction information, and the risk transaction model can be a gradient lifting tree model.
After simplifying the transaction flow, the risk of the loan transaction may be increased, and the risk prediction model may be used to predict the risk in the loan transaction in order to reduce the fund loss of the lender.
And S104, stopping the loan transaction when the risk prediction value is larger than a threshold value.
In an embodiment of the present application, when the risk prediction value output by the risk prediction model is greater than the threshold value, it indicates that the risk of the loan transaction is too high, and the loan transaction needs to be stopped. The threshold is a risk extreme that the depositor can bear.
And when the risk predicted value is larger than the threshold value, freezing the residual borrowing of the shared account, sending the recorded transaction information to a worker, such as a risk transaction technician for rechecking, and when the audit shows that the transaction risk is higher, withdrawing the residual borrowing and the deposit in the shared account.
Therefore, the embodiment of the application provides a loan transaction method, which receives a plurality of target element item information filled by a borrower, wherein the number of the target element item information is less than that of all the element item information, so that the information quantity filled by the borrower can be simplified, the transaction process is saved, a predetermined amount of loan is sent to the borrower, the transaction information of the loan is recorded, the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information, the transaction information is input into a risk prediction model to obtain a risk prediction value of the loan transaction, when the risk prediction value is greater than a threshold value, the loan transaction is stopped, that is, the risk prediction model can be used for carrying out risk prediction on the loan transaction after the transaction process is simplified, and the transaction risk possibly existing after the transaction process is simplified is reduced, the simplified transaction process and the loan transaction risk are balanced, the transaction process can be simplified, the transaction period is shortened, the requirement of rapid transaction is met, and the loan transaction risk can be controlled.
Based on the loan transaction method provided by the above embodiments, the present application also provides a loan transaction apparatus, and the working principle of the loan transaction apparatus is described in detail below with reference to the accompanying drawings.
Referring to fig. 2, a block diagram of a loan transaction apparatus according to an embodiment of the present invention is shown.
The loan transaction apparatus 200 according to the present embodiment includes:
a receiving unit 210, configured to receive a plurality of target element item information filled by a borrower, where the number of the target element item information is less than the number of all the element item information;
the issuing unit 220 is used for issuing a predetermined amount of loan to the borrower and recording transaction information of the loan, wherein the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information;
an input unit 230, configured to input the transaction information into a risk prediction model to obtain a risk prediction value, where the risk prediction model is obtained by training according to training transaction information;
a stopping unit 240, configured to stop the loan transaction when the risk prediction value is greater than a threshold value.
Optionally, the target element item information reflects a greater degree of risk influence of the borrower than other element item information except the target element item information reflects a greater degree of risk influence of the borrower.
Optionally, the issuing unit is specifically configured to issue a loan with a predetermined amount to the borrower by using a shared account, where the loan includes a deposit with a predetermined proportion, and record transaction information in the loan except for the deposit.
Optionally, the predetermined proportion is inversely related to the borrower initial credit rating.
Optionally, the risk prediction model is a gradient lifting tree model.
Optionally, the stopping unit 240 is specifically configured to, when the risk prediction value is greater than a threshold value, at least freeze a remaining loan, and send the transaction information to a risk transaction technician for rechecking.
When introducing elements of various embodiments of the present application, the articles "a," "an," "the," and "said" are intended to mean that there are one or more of the elements. The terms "comprising," "including," and "having" are intended to be inclusive and mean that there may be additional elements other than the listed elements.
It should be noted that, as one of ordinary skill in the art would understand, all or part of the processes of the above method embodiments may be implemented by a computer program to instruct related hardware, where the computer program may be stored in a computer readable storage medium, and when executed, the computer program may include the processes of the above method embodiments. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the units and modules described as separate components may or may not be physically separate. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.
Claims (10)
1. A method of a debit transaction, said method comprising:
receiving a plurality of target element item information filled by a borrower, wherein the number of the target element item information is less than that of all the element item information;
sending a predetermined amount of borrowed money to the borrower, and recording transaction information of the borrowed money, wherein the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and the target element item information;
inputting the transaction information into a risk prediction model to obtain a risk prediction value, wherein the risk prediction model is obtained by training according to training transaction information;
and stopping the loan transaction when the risk prediction value is larger than a threshold value.
2. The method according to claim 1, wherein the target element item information reflects a degree of risk influence of the borrower that is greater than a degree of risk influence of other element item information than the target element item information reflects the borrower.
3. The method of claim 1, wherein said issuing a predetermined amount of a loan to said borrower, and wherein said recording transaction information for said loan comprises:
sending a predetermined amount of borrowing to the borrower by using a shared account, wherein the borrowing comprises a predetermined proportion of deposit;
and recording transaction information except the deposit in the borrowing.
4. The method of claim 3 wherein said predetermined proportion is inversely related to said borrower initial credit rating.
5. The method of any one of claims 1-4, wherein the risk prediction model is a gradient-boosting tree model.
6. The method of any one of claims 1-4, wherein stopping the loan transaction when the risk prediction value is greater than a threshold value comprises:
and when the risk predicted value is larger than the threshold value, at least freezing the residual borrowing, and sending the transaction information to a risk transaction technician for rechecking.
7. A loan transaction apparatus, the apparatus comprising:
the system comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving a plurality of target element item information filled by a borrower, and the number of the target element item information is less than that of all the element item information;
the system comprises a dispensing unit, a payment unit and a payment unit, wherein the dispensing unit is used for dispensing a predetermined amount of borrowed money to the borrower and recording transaction information of the borrowed money, and the transaction information at least comprises transaction time, transaction amount, borrower information, borrower initial credit level and target element item information;
the input unit is used for inputting the transaction information into a risk prediction model to obtain a risk prediction value, and the risk prediction model is obtained by training according to training transaction information;
and the stopping unit is used for stopping the loan transaction when the risk prediction value is greater than a threshold value.
8. The apparatus according to claim 7, wherein the target element item information reflects a degree of risk influence of the borrower that is greater than a degree of risk influence of the borrower that is reflected by element item information other than the target element item information.
9. The apparatus according to claim 7, wherein the issuing unit is specifically configured to issue a predetermined amount of loan to the borrower using a shared account, the loan including a predetermined proportion of a deposit, and record transaction information of the loan excluding the deposit.
10. The apparatus of claim 9 wherein said predetermined ratio is inversely related to said borrower initial credit rating.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111315929.XA CN114037513A (en) | 2021-11-08 | 2021-11-08 | Loan transaction method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111315929.XA CN114037513A (en) | 2021-11-08 | 2021-11-08 | Loan transaction method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114037513A true CN114037513A (en) | 2022-02-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111315929.XA Pending CN114037513A (en) | 2021-11-08 | 2021-11-08 | Loan transaction method and device |
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| CN (1) | CN114037513A (en) |
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2021
- 2021-11-08 CN CN202111315929.XA patent/CN114037513A/en active Pending
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